Yiren Digital Ltd. Sponsored Adr (YRD)
NYSE:YRD
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YRD Stock Chart & Stats
$4.41
-$0.19(-3.81%)
At close: 4:00 PM EST
$4.41
-$0.19(-3.81%)
Day’s Range― - ―
52-Week Range$1.50 - $7.68
Previous CloseN/A
Volume78.95K
Average Volume (3M)141.33K
Market Cap
$139.74M
Enterprise Value-$2.89B
Total Cash (Recent Filing)$3.87B
Total Debt (Recent Filing)$39.78M
Price to Earnings (P/E)28.5
Beta1.25
Next Earnings
Jun 04, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield10.37%
Share Statistics
EPS (TTM)-9.34
Shares Outstanding86,934,540
10 Day Avg. Volume116,201
30 Day Avg. Volume141,334
Financial Highlights & Ratios
PEG Ratio-0.30
Price to Book (P/B)0.12
Price to Sales (P/S)0.20
P/FCF Ratio1.66
Enterprise Value/Market Cap-20.67
Enterprise Value/Revenue-0.50
Enterprise Value/Gross Profit-0.59
Enterprise Value/Ebitda-12.40
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Balance-sheet StrengthExtremely low leverage gives durable financial flexibility to endure credit cycles and fund strategic shifts. Over 2–6 months this supports higher risk-taking capacity, easier access to institutional funding, and lower refinancing pressure, enabling investments in AI and new revenue streams.
AI Platform And Efficiency GainsProprietary LLM and multi-agent platform institutionalize cost reductions and operational scalability across underwriting, collections, and service. Measurable RMB‑80m direct savings and large IVR/call efficiency gains create a durable productivity advantage that can lower long‑run costs and improve margins.
Diversifying Revenue And Funding ScaleSustained loan facilitation growth plus expanding insurance and guarantee services diversify revenue away from pure lending. This multi‑product mix and deeper institutional funding relationships support structural fee income, reduce reliance on single channels, and enhance resilience over coming quarters.
Bears Say
Profitability DeteriorationA collapse in net margin materially weakens return on equity and internal capital generation. Persistently low margins erode the firm's ability to self‑fund growth and dividends, increasing reliance on external funding and constraining reinvestment into AI and insurance expansion over the medium term.
Rising Provisions And GAAP LossLarge provisions tied to a higher risk-taking asset mix consume capital and create earnings volatility. Elevated reserve requirements reduce distributable earnings and may force more conservative origination or higher pricing, limiting growth and pressuring profitability for several quarters.
Origination Contraction And Cash Flow WeaknessSharp drop in new originations and a quarter with operating cash outflow signal reduced core revenue momentum and working capital stress. If originations and collection recoveries remain muted, revenue diversification and AI savings may be insufficient to offset weaker cash conversion near term.
Yiren Digital News
YRD FAQ
What was Yiren Digital Ltd. Sponsored Adr’s price range in the past 12 months?
Yiren Digital Ltd. Sponsored Adr lowest stock price was $1.50 and its highest was $7.68 in the past 12 months.
What is Yiren Digital Ltd. Sponsored Adr’s market cap?
Yiren Digital Ltd. Sponsored Adr’s market cap is $139.74M.
When is Yiren Digital Ltd. Sponsored Adr’s upcoming earnings report date?
Yiren Digital Ltd. Sponsored Adr’s upcoming earnings report date is Jun 04, 2026 which is in 10 days.
How were Yiren Digital Ltd. Sponsored Adr’s earnings last quarter?
Yiren Digital Ltd. Sponsored Adr released its earnings results on Mar 19, 2026. The company reported -$1.428 earnings per share for the quarter, missing the consensus estimate of N/A by -$1.428.
Is Yiren Digital Ltd. Sponsored Adr overvalued?
According to Wall Street analysts Yiren Digital Ltd. Sponsored Adr’s price is currently Overvalued.
Does Yiren Digital Ltd. Sponsored Adr pay dividends?
Yiren Digital Ltd. Sponsored Adr pays a Semiannually dividend of $0.2 which represents an annual dividend yield of 10.37%. See more information on Yiren Digital Ltd. Sponsored Adr dividends here
What is Yiren Digital Ltd. Sponsored Adr’s EPS estimate?
Yiren Digital Ltd. Sponsored Adr’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Yiren Digital Ltd. Sponsored Adr have?
Yiren Digital Ltd. Sponsored Adr has 86,934,540 shares outstanding.
What happened to Yiren Digital Ltd. Sponsored Adr’s price movement after its last earnings report?
Yiren Digital Ltd. Sponsored Adr reported an EPS of -$1.428 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went down -44.837%.
Which hedge fund is a major shareholder of Yiren Digital Ltd. Sponsored Adr?
Currently, no hedge funds are holding shares in YRD
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Yiren Digital Stock Smart Score
Underperform
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Blogger Sentiment
Bullish
YRD Sentiment 70%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 16.0K Shares
Last Quarter.
Last Quarter.
Technicals
SMA
Negative
20 days / 200 days
Momentum
-58.63%
12-Months-Change
Fundamentals
Return on Equity
0.54%
Trailing 12-Months
Asset Growth
8.25%
Trailing 12-Months
Company Description
Yiren Digital Ltd. Sponsored Adr
Yiren Digital Ltd., through its subsidiaries, operates as an online consumer finance marketplace that connects borrowers and investors in the People's Republic of China. It provides loan facilitation services; and post-origination services, such as cash processing, collection, and SMS services. The company's loan products portfolio includes unsecured consumer loans; secured consumer loan, which include secured financial leasing, auto-secured, and property-secured loans; and small business loans. It also distributes short-term cash management, mutual fund investment, insurance, and securities and stock products. In addition, the company provides online investor education services, which include a range of investment and trading topics, and various types of training programs on wealth planning, market insights, and investment strategies; consultancy information technology support; referral; and IT, system maintenance, and customer support services. Further, it is involved in the provision of services for financing lease and insurance brokerage businesses. The company offers its products through www.yxpuhui.com, and a wealth management website and mobile application. As of December 31, 2020, it had 60 fixed income products, 810 mutual fund products, and 296 insurance products. The company was formerly known as Yirendai Ltd. and changed its name to Yiren Digital Ltd. in September 2019. Yiren Digital Ltd. was founded in 2012 and is based in Beijing, the People's Republic of China. Yiren Digital Ltd. is a subsidiary of Creditease Holdings (Cayman) Limited.
YRD Company Deck
YRD Earnings Call
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Neutral
The call highlighted meaningful strategic progress: robust AI innovation and platform development (LLM filing, Magicube), measurable AI-driven cost savings and efficiency gains, rapid growth in internet insurance, full-year loan facilitation growth (+26% YoY), improved unit economics and a solid cash position (RMB 3.3 billion). At the same time, the company faced near-term headwinds: Q4 loan originations materially contracted, delinquency rates peaked during the year, large upfront accounting provisions tied to an increased risk-taking model produced a sizable Q4 GAAP loss (RMB 882 million) and insurance brokerage traditional channels declined. Management emphasized that credit-leading indicators are improving, AI and internet insurance are scaling, and non-GAAP profitability remained strong (approx. RMB 834 million for 2025), but accounting timing issues and the recent credit cycle pressures create near-term volatility.View all YRD earnings summariesTechnical Analysis
Ownership Overview
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Insiders
0.81% Mutual Funds
0.10% Other Institutional Investors
99.07% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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